. >> you want to have as much action as you can in 2012 when the rates are lower. >> ask you about the tax ret credits expiring. fairly commonly used actually. tell us about those and what to expect. >> you can forget your taxes going up. there are a lot of credits and deductions that will go away too. the child tax credit. that's at $1,000 -- $1,000 credit. that would be cut back to $500. the american opportunity tax credit which allows you to take a kretd credit of up to $2,500 of college expenses would disappedi disappear altogether. the things congress has put in place to reduce marriage tax penalty would be gone. the amt would be gone. those are things that would disappear that people may not be talking about as much right now. >> they are all talking about mortgage deduction and charitable deduction. these are also on the table. possibly on the chopping block. >> those things are, as well. another thing people haven't been thinking about as much but estate tax, dramatic change in that. that has been all over the board for a number of years. but it is on the table now. right now,